Welcome to PayPlan’s debt advice blog!
Our blog covers the latest news at PayPlan, tips to help you save money, our latest press releases, expert insight and everything in between.
Money Saving Ideas
16 May 2012
Dealing With Debt and Divorce
Debt Facts
14 May 2012
Understanding credit reports and how they are affected by DMPs
By James Jones from Experian Credit checking is a mystery to some, so how does it work? Basically, lenders obtain your consent to share and access information about your credit agreements through credit reference agencies like Experian. We combine these…
Money Management
11 May 2012
How do I… budget?
Whether in debt or not, we should all learn to budget. For some of us budgeting will come naturally, but for others it can be more difficult. Therefore we have put together a guide to show you how to prepare…
Living in Debt
9 May 2012
Disabled people and debt
"We are struggling financially and finding it very hard to cope. I am at my wits end [trying] to find a way out of the debts." This quote from a disabled mother of a disabled child will resonate with many…
Debt Facts
2 May 2012
Right to Offset
One of the most important things to do when you are in debt is to change your bank account. If you owe money to the same bank that your wages or other income is paid into then they are entitled…
Money Saving Ideas
20 Apr 2012
5 ways to make money from your home.
The cost of living is going up - sometimes it seems by the second - which means that some people are struggling to cope. Not surprisingly, many people are turning to new and inventive ways to increase their income.
Archive
16 Apr 2012
How do I… apply for a DMP?
Archive
11 Apr 2012
Unemployed and in debt
Unemployment has been a big issue throughout the country since the last recession with the latest stats showing that 2.67 million* people over the age of 16 years are currently unemployed, the highest level since 1995. During Chancellor George Osborn's…
Archive
28 Mar 2012
Online Surveys – Are they worth it?
Online surveys seem to becoming more and more popular with posters on forums like Money Saving Expert and IVA.co.uk. Many posters use survey sites to earn points that then turn into vouchers.
Archive
16 Mar 2012
Mothers Day on a budget
Mother’s Day is just a few days away, a day for us to celebrate all that our mothers do for us. As with all ‘holidays’ like this, many see it as an unnecessary cost, but it doesn’t need to be…
Archive
7 Mar 2012
Reducing your outgoings.
In this current climate trying to reduce your outgoings is a constant uphill struggle as it seems on a weekly basis we face rising costs in gas, electricity, water, phone bills, food or fuel. However if you are savvy with…
Archive
5 Mar 2012
Home Decorating on a Budget
In the theme of some recent budgeting blogs, today Ally shares some of her experiences of home decorating on a budget. Please feel free to share you tips as well.
Archive
6 Feb 2012
How is my credit file affected…with a early settlement
A common question I come across daily in my job, is how my credit file is affected when going through the settlements department. When clients come through to our department they often have a lump sum available for example inheritance,…
Archive
25 Jan 2012
How People Are Trapped By Payday Loans
Archive
22 Dec 2011
Christmas Wishes
From all of us at Payplan we want to wish you all a very Merry Christmas and a Happy New Year.
Archive
29 Nov 2011
Is Bankruptcy the easy way out?
On many occasions I have encountered people who say that bankruptcy is the "easy way out" of debt.
Archive
28 Oct 2011
Debt Write Off – Trick or Treat?
We've all seen the adverts on TV that claim they can get your debts written off. Some people receive phone calls, others get letters or text messages from companies that claim they can write off debts - anything from 90%…
Archive
25 Oct 2011
DMP vs IVA
Two of the most common debt solutions that our clients opt for are DMPs and IVAs. They are two very different options and many people have to choose between the two.
Archive
18 Oct 2011
Top tips to cut down your energy bills.
This winter it is thought that hundreds of thousands of families will struggle with their energy bills after seeing a huge hike in the cost of fuel over the course of the summer.
Archive
11 Oct 2011
Am I in a DMP or an IVA?
Time and time again I come across people in a particular plan, who are under the assumption that they are in a completely different plan. In my experience this is down to either miscommunication or misunderstanding.